भ रत य रज़वर ब क RESERVE BANK OF INDIA RBI/ /175 DCBR.BPD (PCB).Cir.No.07/ / May 10, 2018

Transcription

1 भ रत य रज़वर ब क RESERVE BANK OF INDIA RBI/ /175 DCBR.BPD (PCB).Cir.07/ / May 10, 2018 The Chief Executive Officer All Primary (Urban) Co-operative Banks Dear Sir / Madam Revised guidelines on lending to Priority Sector for Primary (Urban) Co-operative Banks (UCBs) Please refer to our circular UBD.CO.BPD.(PCB).MC.18/ / dated October 8, 2013 on the captioned subject and amendments thereto from time to time, consolidated in Master Circular DCBR.BPD.(PCB).MC.No:11/ / dated July 1, The existing guidelines have been reviewed and it has been decided to issue revised guidelines (as per Annex-I) in supersession the guidelines in the above-mentioned Master Circular. 2. Salient features the revised guidelines are as under: (i) Target for lending to total priority sector and weaker section will continue as 40 per cent and 10 per cent, respectively, Adjusted Net Bank Credit (ANBC) or credit equivalent f-balance sheet exposure, whichever is higher, as hitherto. (ii) Agriculture: Distinction between direct and indirect agriculture is dispensed with. (iii) Bank loans to food and agro processing units will form part Agriculture. (iv) Medium Enterprises, Social Infrastructure and Renewable Energy will form part priority sector. (v) A target 7.5 per cent ANBC or credit equivalent f-balance sheet exposure, whichever is higher, has been prescribed for Micro Enterprises. (vi) Education: Distinction between loans for education in India and abroad is dispensed with. सहक र ब क व नयमन वभ ग, क द र य क य र लय, स -7, पहल ब द र क ल र स क ल,द सर म ज़ल /, ब द र ( प वर ), म बई फ न: / ; फ क स: ; ईम ल -: cgmdcbrco@rbi.org.in Department Co-operative Bank Regulation, Central Office, C-7, 1 st / 2 nd Floor, Bandra-Kurla Complex, Bandra (E), Mumbai Phone: / ; Fax: ; cgmdcbrco@rbi.org.in च त वन : ह द आस न ह, इसक प रय ग बढ़ इए रज़वर ब क द व र ई-म ल, ड क, एसएमएस य फ न क ल क ज रए कस क भ व य क तगत ज नक र ज स ब क क ख त क ब य र, प सवडर आ द नह म ग ज त ह यह धन रखन य द न क प रस त व भ नह करत ह ऐस प रस त व क कस भ तर क स जव ब मत द जए Caution: RBI never sends mails, SMSs or makes calls asking for personal information like bank account details, passwords, etc. It never keeps or fers funds to anyone. Please do not respond in any manner to such fers.

2 (vii) Micro Credit ceases to be a separate category under priority sector. (viii) Loan limits for housing loans qualifying under priority sector have been revised. (ix) Priority Sector assessment will be monitored through quarterly and annual statements. 3. The revised guidelines will be operational with effect from the date this circular. Priority sector loans sanctioned under the guidelines issued prior to the date this circular will continue to be classified under priority sector till maturity / renewal. 4. Achievement Priority Sector targets Achievement priority sector targets will be taken into account while granting regulatory clearances / approvals for various purposes. With effect from April 1, 2018, achievement priority sector targets will be included as a criterion for classifying a UCB as Financially Sound and Well Managed (FSWM), in addition to the criteria specified in our circulars UBD.CO.LS.(PCB).Cir.20/ / and DCBR.CO.LS.(PCB).Cir.4/ / dated October 13, 2014 and January 28, 2015 respectively. For the financial year , shortfall in achieving the priority sector target / sub-target will be assessed based on the position as on March 31, From the financial year onwards, the achievement at the end the financial year will be arrived at based on the average priority sector target / sub-target achievement as at the end each quarter. Illustrative example is given in Annex-II. Yours faithfully, (Neeraj Nigam) Chief General Manager Encl.: Annex I & II. -2-

3 Priority Sector Lending Targets and Classification ANNEX-I I. Categories under Priority Sector (i) (ii) Agriculture Micro, Small and Medium Enterprises (iii) Export Credit (iv) Education (v) Housing (vi) Social Infrastructure (vii) Renewable Energy (viii) Others Details eligible activities under the above categories are specified in paragraph III. II. Targets / Sub-targets for Priority sector (i) The targets and sub-targets set under priority sector lending for UCBs are given below. The stipulation regarding priority sector lending is not applicable to the Salary Earners' Banks. Total Priority Sector Total agriculture Micro Enterprises Advances to Weaker Sections 40 percent Adjusted Net Bank Credit [ANBC defined in sub paragraph (ii) below] or credit equivalent amount Off- Balance Sheet Exposure, whichever is higher. No target. 7.5 percent ANBC or Credit Equivalent Amount Off- Balance Sheet Exposure, whichever is higher 10 percent ANBC or credit equivalent amount Off- Balance Sheet Exposure, whichever is higher. (ii) The computation priority sector targets / sub-targets achievement will be based on the ANBC or Credit Equivalent Amount Off-Balance Sheet Exposures, whichever is higher, as on March 31 the preceding year. For the purpose priority sector lending, ANBC denotes total loans and advances minus bills rediscounted with RBI and other approved Financial Institutions plus investments made after August 30, 2007 in permitted non SLR bonds under Held to Maturity (HTM) category. For the purpose calculation credit equivalent f-balance sheet exposures, banks may use current exposure method. Inter-bank exposures including inter-bank f-balance sheet exposures will not be taken into account for the purpose priority sector lending targets / sub-targets. -3-

4 (iii) Banks should not deduct / net f any amount like provisions, accrued interest, etc., from ANBC. (iv) Advances extended in India against the incremental FCNR(B)/NRE deposits qualifying for exemption from CRR/SLR requirements, as per the Reserve Bank s circulars UBD.BPD.(PCB).CIR.5/ / dated August 27, 2013 read with UBD.BPD.(PCB).Cir.72/ / dated June 11, 2014 will be excluded from the ANBC for computation priority sector lending targets, till their repayment. III. Description the eligible categories under priority sector 1. Agriculture The present distinction between direct and indirect agriculture is dispensed with. Instead, the lending to agriculture sector has been re-defined to include (i) Farm Credit (which will include short-term crop loans and medium / long-term credit to farmers) (ii) Agriculture Infrastructure and (iii) Ancillary Activities. A list eligible activities under the three subcategories is indicated below: 1.1 Farm credit A. Loans to individual farmers [including Self Help Groups (SHGs) or Joint Liability Groups (JLGs), i.e. groups individual farmers, provided banks maintain disaggregated data such loans], directly engaged in Agriculture and Allied Activities, viz., dairy, fishery, animal husbandry, poultry, beekeeping and sericulture. This will include: (i) Crop loans to farmers, which will include traditional / non-traditional plantations and horticulture, and, loans for allied activities. (ii) Medium and long-term loans to farmers for agriculture and allied activities (e.g. purchase agricultural implements and machinery, loans for irrigation and other developmental activities undertaken in the farm, and developmental loans for allied activities). (iii) Loans to farmers for pre and post-harvest activities, viz., spraying, weeding, harvesting, sorting, grading and transporting their own farm produce. (iv) Loans to farmers up to `50 lakh against pledge/ hypothecation agricultural produce (including warehouse receipts) for a period not exceeding 12 months. (v) Loans to distressed farmers indebted to noninstitutional lenders. -4-

5 1.2 Agriculture infrastructure 1.3 Ancillary activities (vi) Loans to small and marginal farmers for purchase land for agricultural purposes. B. Loans to corporate farmers, farmers' producer organizations / companies individual farmers, partnership firms directly engaged in Agriculture and Allied Activities, viz., dairy, fishery, animal husbandry, poultry, bee-keeping and sericulture up to an aggregate limit `2 crore per borrower. This will include: (i) Crop loans to farmers which will include traditional / non-traditional plantations and horticulture, and, loans for allied activities. (ii) Medium and long-term loans to farmers for agriculture and allied activities (e.g. purchase agricultural implements and machinery, loans for irrigation and other developmental activities undertaken in the farm, and developmental loans for allied activities). (iii) Loans to farmers for pre and post-harvest activities, viz., spraying, weeding, harvesting, sorting, grading and transporting their own farm produce. (iv) Loans up to `50 lakh against pledge / hypothecation agricultural produce (including warehouse receipts) for a period not exceeding 12 months. (i) Loans for construction storage facilities (warehouses, market yards, godowns and silos) including cold storage units / cold storage chains designed to store agriculture produce / products, irrespective their location. (ii) Soil conservation and watershed development. (iii) Plant tissue culture and agri-biotechnology, seed production, production bio-pesticides, biertilizer, and vermi composting. For the above loans, an aggregate sanctioned limit `100 crore per borrower from the banking system, will apply. (i) Loans for setting up Agriclinics and Agribusiness Centres. (ii) Loans for Food and Agro-processing up to an aggregate sanctioned limit `100 crore per borrower from the banking system. -5-

6 Note: (iii) Loans to Custom Service Units managed by individuals, institutions or organisations who maintain a fleet tractors, bulldozers, well-boring equipment, threshers, combines, etc., and undertake farm work for farmers on contract basis. Small and Marginal farmers will include the following: Farmers with landholding up to 1 hectare are considered as Marginal Farmers. Farmers with a landholding more than 1 hectare and up to 2 hectares are considered as Small Farmers. Landless agricultural labourers, tenant farmers, oral lessees and share-croppers. 2. Micro, Small and Medium Enterprises (MSMEs) 2.1 The limits for investment in plant and machinery / equipment for manufacturing/ service enterprise, as notified by Ministry Micro, Small and Medium Enterprises, vide S.O.1642(E) dated September 9, 2006 are as under: Manufacturing Sector Enterprises Micro Enterprises Small Enterprises Medium Enterprises Service Sector Enterprises Micro Enterprises Small Enterprises Medium Enterprises Investment in plant and machinery Does not exceed twenty five lakh rupees More than twenty five lakh rupees but does not exceed five crore rupees More than five crore rupees but does not exceed ten crore rupees Investment in equipment Does not exceed ten lakh rupees More than ten lakh rupees but does not exceed two crore rupees More than two crore rupees but does not exceed five crore rupees Bank loans to Micro, Small and Medium Enterprises, for both manufacturing and service sectors are eligible to be classified under the priority sector as per the following norms. 2.2 Manufacturing Enterprises The Micro, Small and Medium Enterprises engaged in the manufacture or production goods to any industry specified in the first schedule to the Industries (Development and Regulation) Act, 1951 and as notified by the Government from time to time. The Manufacturing Enterprises are defined in terms investment in plant and machinery. -6-

7 2.3 Service Enterprises All bank loans to micro, small and medium enterprises engaged in providing or rendering services as defined in terms investment in equipment under MSMED Act, Khadi and Village Industries (KVI) All loans to units in the KVI sector will be eligible for classification under the subtarget 7.5 percent prescribed for Micro Enterprises under priority sector. 2.5 Other finance to MSMEs (i) Loans to entities involved in assisting the decentralized sector in the supply inputs to and marketing outputs artisans, village and cottage industries. The term entities do not include institutions to which UCBs are not permitted to lend under RBI guidelines / the legal framework governing the functioning these banks. (ii) Overdrafts extended by UCBs after April 8, 2015 upto `5,000/- under Pradhan Mantri Jan Dhan Yojana (PMJDY) accounts provided the borrower's household annual income does not exceed `100,000/- for rural areas and `1,60,000/- for non-rural areas. These overdrafts will qualify as achievement the target for lending to Micro Enterprises. 2.6 To ensure that MSMEs do not remain small and medium units merely to remain eligible for priority sector status, the MSME units will continue to enjoy the priority sector lending status up to three years after they grow out the MSME category concerned. 3. Export Credit The Export Credit extended as per the details below would be classified as priority sector. 3.1 Incremental export credit over corresponding date the preceding year, up to 2 percent ANBC or Credit Equivalent Amount Off-Balance Sheet Exposure, whichever is higher, effective from April 1, 2017 subject to a sanctioned limit up to `25 crore per borrower to units having turnover up to `100 crore. 3.2 Export credit includes pre-shipment and post shipment export credit (excluding f-balance sheet items) as defined in Master Circular on Rupee / Foreign Currency Export Credit and Customer Service to Exporters issued by our Department Banking Regulation. -7-

8 4. Education Loans to individuals for educational purposes including vocational courses upto `10 lakh, irrespective the sanctioned amount, will be considered as eligible for priority sector. 5. Housing (i) Loans to individuals up to `28 lakh irrespective location for purchase/ construction a dwelling unit per family provided the overall cost the dwelling unit should not exceed `35 lakh. The housing loans to banks' own employees will be excluded. (ii) Loans for repairs to damaged dwelling units families up to `5 lakh in metropolitan centres and up to `2 lakh in other centres. (iii) Bank loans to any governmental agency for construction dwelling units or for slum clearance and rehabilitation slum dwellers subject to a ceiling `10 lakh per dwelling unit. (iv) The loans sanctioned by banks for housing projects exclusively for the purpose construction houses for economically weaker sections and low income groups, the total cost which does not exceed `10 lakh per dwelling unit. For the purpose identifying the economically weaker sections and low income groups, the family income limit `2 lakh per annum, irrespective the location, is prescribed. (v) Assistance given to a non-governmental agency approved by the NHB for the purpose refinance for construction / reconstruction dwelling units or for slum clearance and rehabilitation slum dwellers, subject to a ceiling loan component `10 lakh per dwelling unit. (vi) Investments made by UCBs in bonds issued by NHB / HUDCO on or after April 1, 2007 shall not be eligible for classification under priority sector lending. 6. Social infrastructure Bank loans up to a limit `5 crore per borrower for building social infrastructure for activities namely schools, health care facilities, drinking water facilities and sanitation facilities including construction / refurbishment household toilets and household level water improvements in Tier II to Tier VI centres. -8-

9 7. Renewable Energy Bank loans up to a limit `15 crore to borrowers for purposes like solar based power generators, biomass based power generators, wind mills, micro-hydel plants and for nonconventional energy based public utilities viz. street lighting systems, and remote village electrification. For individual households, the loan limit will be `10 lakh per borrower. 8. Others 8.1 Loans not exceeding `50,000/- per borrower provided directly by banks to individuals and their SHG / JLG, provided the individual borrower's household annual income in rural areas does not exceed `100,000/- and for non-rural areas it does not exceed `1,60,000/- 8.2 Loans to distressed persons [other than farmers already included under III (1.1) A (v)] not exceeding `100,000/- per borrower to prepay their debt to noninstitutional lenders. 8.3 Loans sanctioned to State Sponsored Organisations for Scheduled Castes / Scheduled Tribes for the specific purpose purchase and supply inputs and / or the marketing the outputs the beneficiaries these organisations. IV. Weaker Sections Priority sector loans to the following borrowers will be considered under Weaker Sections category: Category 1 Small and Marginal Farmers 2 Artisans, village and cottage industries where individual credit limits do not exceed `1 lakh 3 Scheduled Castes and Scheduled Tribes 4 Self Help Groups 5 Distressed farmers indebted to non-institutional lenders 6 Distressed persons other than farmers, with loan amount not exceeding `1 lakh per borrower to prepay their debt to non-institutional lenders 7 Women 8 Persons with disabilities 9 Overdrafts upto `5,000/- under Pradhan Mantri Jan-Dhan Yojana (PMJDY) accounts, provided the borrowers' household annual income does not exceed `100,000/- for rural areas and `1,60,000/- for non-rural areas 10 Minority communities as may be notified by Government India from time to time -9-

10 Note: In States, where one the minority communities notified is, in fact, in majority, item (10) will cover only the other notified minorities. These States / Union Territories are Jammu & Kashmir, Punjab, Meghalaya, Mizoram, Nagaland and Lakshadweep. V. Priority Sector Lending Certificates The outstanding priority sector lending certificates bought by the banks will be eligible for classification under respective categories priority sector provided the assets are originated by banks, and are eligible to be classified as priority sector advances and fulfil the Reserve Bank India guidelines on priority sector lending certificates issued vide circular FIDD.CO.Plan.BC.23/ / dated April 7, VI. Monitoring Priority Sector Lending targets To ensure continuous flow credit to priority sector, there will be more frequent monitoring priority sector lending compliance UCBs on quarterly basis instead annual basis as now. The data on priority sector advances shall be furnished by UCBs at quarterly and annual intervals as per revised reporting formats Statement I and Statement II (Part A to E) to the concerned Regional Office the Reserve Bank. The reports should reach the Regional Office within a period 15 days from the end the period to which they relate. VII. Common guidelines for priority sector loans Banks should comply with the following common guidelines for all categories advances under the priority sector. 1. Service charges No loan related and adhoc service charges / inspection charges should be levied on priority sector loans up to `25,000. In the case eligible priority sector loans to SHGs / JLGs, this limit will be applicable per member and not to the group as a whole. 2. Receipt, Sanction / Rejection / Disbursement Register A register / electronic record should be maintained by the bank, wherein the date receipt, sanction / rejection / disbursement with reasons there, etc., should be recorded. The register / electronic record should be made available to all inspecting agencies. 3. Issue Acknowledgement Loan Applications UCBs should provide acknowledgement for loan applications received under priority sector loans. Bank Boards should prescribe a time limit within which the bank communicates its decision in writing to the applicants. -10-

11 ANNEX-II Priority Sector Target Achievement - Calculation shortfall / excess Illustrative example: Tables 1 and 2 below illustrate the method followed for computation shortfall / excess in priority sector target achievement at the end the financial year under the revised PSL guidelines. (Table 1) Amount in ` thousands Quarter ended PSL targets Priority Sector Shortfall / Excess Amount Outstanding June 3,29,61,56,032 3,16,93,80,800-12,67,75,232 September 3,08,82,65,369 3,11,94,59,969 3,11,94,600 December 3,17,69,48,703 3,19,29,13,269 1,59,64,566 March 3,24,56,09,908 3,21,34,75,156-3,21,34,752 Total 12,80,69,80,012 12,69,52,29,194-11,17,50,818 Average 3,20,17,45,003 3,17,38,07,299-2,79,37,704 (Table 2) Amount in ` thousands Quarter ended PSL targets Priority Sector Shortfall / Excess Amount Outstanding June 3,29,61,56,032 3,27,96,75, ,80,780 September 3,08,82,65,369 3,12,37,80,421 3,55,15,052 December 3,17,69,48,703 3,27,22,57,164 9,53,08,461 March 3,24,56,09,908 3,21,31,53,809-3,24,56,099 Total 12,80,69,80,012 12,88,88,66,646 8,18,86,634 Average 3,20,17,45,003 3,22,22,16,661 2,04,71,658 In the example given in Table - 1, the bank has average shortfall `2,79,37,704 thousand at the end the financial year. In Table - 2, the bank has average excess `2,04,71,658 thousand at the end the financial year. The same method will be followed for calculating the achievement quarterly and yearly priority sector sub-targets. Note : The computation priority sector targets / sub-targets achievement will be based on the ANBC or Credit Equivalent Amount Off-Balance Sheet Exposures, whichever is higher, as at the corresponding date the preceding year. -11-

12 Statement - I Quarterly Statement on Priority Sector Advances and Sectoral Deployment Credit Priority Sector Advances by UCBs as on.. Name Bank (A) Adjusted Net Bank Credit (ANBC) Rs. Thousands (B) (a) Total Off-Balance Sheet Exposures (OBE) Rs. Thousands (b) Credit Equivalent amount OBE Rs. Thousands (C) Total Priority Sector Lending Rs. Thousands (D) Total Priority Sector Lending as a % adjusted net bank credit (ANBC) or credit equivalent f-balance sheet exposure, Rs. Thousands whichever is higher (E) Total Priority Sector Lending to weaker sections as a % adjusted net bank credit (ANBC) or credit equivalent f-balance sheet Rs. Thousands exposure, whichever is higher Total Outstanding as on the corresponding date the preceding year Rs. Thousands Number Accounts in absolute terms and Amount in Rupees thousands Sl. Disbursements Outstanding at the end the Categories No during the Quarter Quarter 1 Priority Sector I Agriculture IA Farm Credit (i) Crop Loans (ii) Investment Credit Out (ii) above, loans for agriculture implements & machinery (iii) Allied Activities (a) Fisheries (b) Dairying (c) Poultry (d) Animal Husbandry (e) Bee keeping (f) Sericulture (g) Other allied activities (iv) Other Agriculture Loans IB Agriculture Infrastructure IC Ancillary Activities Out Agriculture, loans to small and marginal farmers Out Agriculture, loans to other individual farmers Out Agriculture, loans to corporate farmers, farmers' producer organizations/companies individual farmers and partnership firms directly engaged in Agriculture and Allied Activities Out Agriculture above, loans to Food & Amount disbursed beneficiaries Balance O/s -12-

13 Agro-processing II MSMEs (i)+(ii)+(iii)+(iv) (i) Micro Enterprises (a) Manufacturing Enterprises (b) Service Enterprises (advances up to 5 crore) (ii) Small Enterprises (a) Manufacturing Enterprises (b) Service Enterprises (advances up to 5 crore) (iii) Medium Enterprises (a) Manufacturing Enterprises (b) Service Enterprises (advances up to 10 crore) (iv) Advances to KVI (Including 'Other Finance to MSMEs') Out (i) above, loans to Overdrafts under PMJDY III Export Credit IV Education V Housing VI Social Infrastructure VII Renewable Energy VIII 'Others' category under Priority Sector * 2 Loans to Weaker Sections under Priority Sector Out Weaker Sections, loans to PWD 3 Non-Priority Sector Loans I Agriculture II MSME (Service) (i) Micro Enterprises (Service) (advances above 5 crore) (ii) Small Enterprises (Service) (advances above 5 crore) (iii) Medium Enterprises (Service) (advances above 10 crore) III Education Loans IV Housing Loans V Personal Loans under Non-Priority Sector VI Other Non-Priority Sector Loans 4 Total Loans * Loans outstanding under Micro Credit granted under the pre-revised guidelines may be included here. -13-

14 Statement II Part - A Annual Statement on Priority Sector Advances and Sectoral Deployment Credit Priority Sector Advances by UCBs as on 31st March.. Name Bank (A) Adjusted Net Bank Credit (ANBC) Rs. Thousands (B) (a) Total Off-Balance Sheet Exposures (OBE) Rs. Thousands (b) Credit Equivalent amount OBE Rs. Thousands (C) Total Priority Sector Lending Rs. Thousands (D) Total Priority Sector Lending as a % adjusted net bank credit (ANBC) or credit equivalent f-balance sheet exposure, whichever is higher (E) Total Priority Sector Lending to weaker sections as a % adjusted net bank credit (ANBC) or credit equivalent f-balance sheet exposure, whichever is higher Total Outstanding on the corresponding date the preceding year Rs. Rs. Rs. Thousands Thousands Thousands (Number Accounts in absolute terms and Amount in thousands) 1 Priority Sector I Agriculture IA Farm Credit (i) Crop Loans (ii) Investment Credit Out (ii) above loans for Agriculture Implements & Machinery (iii) Allied Activities (a) Fisheries (b) Dairy (c) Poultry (d) Animal Husbandry (e) Bee keeping Amount disbursed Amount beneficiaries Balance O/s beneficiaries Balance O/s -14-

15 (f) (g) (iv) IB IC II (i) (a) (b) (ii) (a) (b) (iii) (a) (b) (iv) Sericulture Other allied activities Other Agriculture Loans Agriculture Infrastructure Ancillary Activities Out Agriculture, loans to small and marginal farmers Out Agriculture, loans to marginal farmers- Crop Loans Out Agriculture, loans to marginal farmers- Investment Credit Out Agriculture, loans to small farmers- Crop Loans Out Agriculture, loans to small farmers-investment Credit Out Agriculture, loans to marginal farmers for Allied activities Out Agriculture, loans to Small farmers for allied activities Out Agriculture, loans to other Individual farmers Out Agriculture, loans to corporate farmers, farmers' producer organizations/companies individual farmers and partnership firms directly engaged in Agriculture and Allied Activities Out Agriculture, loans to Food & Agro-processing MSMEs (i)+(ii)+(iii)+(iv) Micro Enterprises Manufacturing Enterprises Service Enterprises (advances up to 5 crore) Small Enterprises Manufacturing Enterprises Service Enterprises (advances up to 5 crore) Medium Enterprise Manufacturing Enterprise Service Enterprises (advances up to 10 crore) Advances to KVI (Including 'Other Finance to -15-

16 MSMEs') Out (i) above, loans to Overdrafts under PMJDY III Export Credit IV Education V Housing VI Social Infrastructure VII Renewable Energy VIII 'Others' category under Priority Sector * 2 Loans to Weaker Sections under Priority Sector Out Weaker Sections, loans to PWD 3 Non-Priority Sector Loans I Agriculture II MSME (Service) (i) Micro Enterprises (Service) (advances above 5 crore) (ii) Small Enterprises (Service) (advances above 5 crore) (iii) Medium Enterprises (Service) (advances above 10 crore) III Education Loans IV Housing Loans V Personal Loans under Non-Priority Sector VI Other Non-Priority Sector Loans 4 Total Loans * Loans outstanding under Micro Credit granted under the pre-revised guidelines may be included here. -16-

17 Name the Bank State / Union Territories Assam Andhra Pradesh Andaman & Nicobar Arunachal Pradesh Bihar Chandigarh Chhattisgarh Dadra & Nagar Haveli Daman & Diu Delhi Goa Gujarat Haryana Himachal Pradesh Jammu & Kashmir Jharkhand Karnataka Kerala Lakshadweep Madhya Pradesh Maharashtra Manipur Meghalaya Mizoram Nagaland Statement - II Part - B Priority Sector Advances by UCBs as on 31st March Total Accounts Total Amount Outstanding (Number Accounts in absolute terms and Amount in thousands) Of which to SC Of which ST Of which Minorities Amount Amount Amount Accounts Outstanding Accounts Outstanding Accounts Outstanding -17-

18 Orissa Puducherry Punjab Rajasthan Sikkim Tamil Nadu Telangana Tripura Uttar Pradesh Uttarakhand West Bengal All India -18-

19 Name the Bank State / Union Territories Assam Andhra Pradesh Andaman & Nicobar Arunachal Pradesh Bihar Chandigarh Chhattisgarh Dadra & Nagar Haveli Daman & Diu Delhi Goa Gujarat Haryana Himachal Pradesh Jammu & Kashmir Jharkhand Karnataka Kerala Lakshadweep Madhya Pradesh Maharashtra Manipur Meghalaya Mizoram Nagaland Statement - II Part - C Disbursal Advances during the year under Priority Sector to Weaker Sections as on 31st March Total Accounts Total Amount Outstanding (Number Accounts in absolute terms and Amount in thousands) Of which to SC Of which ST Of which Minorities Amount Amount Amount Accounts Outstanding Accounts Outstanding Accounts Outstanding -19-

20 Orissa Puducherry Punjab Rajasthan Sikkim Tamil Nadu Telangana Tripura Uttar Pradesh Uttarakhand West Bengal All India -20-

21 NAME OF THE BANK Statement - II Part - D Statement Showing Priority Sector Advances Granted to the Members Specified Minority Communities vis-à-vis Overall Priority Sector Advances as on 31st March -21- (Number Accounts in absolute terms and Amount in thousands) Part B - For all Districts in the Country Sr. No State / Union Territory Christians Muslims Buddhists Sikhs Zoroastrians Jains A Total ( ) 1 Haryana 2 Himachal Pradesh 3 Jammu & Kashmir 4 Punjab 5 Rajasthan 6 Chandigarh 7 Delhi 8 Assam 9 Manipur 10 Meghalaya 11 Nagaland 12 Tripura 13 Arunachal Pradesh 14 Mizoram 15 Sikkim 16 Bihar 17 Orissa 18 West Bengal B other minority communitie s Total P/S Adv. In all Districts C (A+B) Amt Amt Amt Amt Amt Amt Amt Amt Amt

22 19 Andaman & Nicobar Islands 20 Madhya Pradesh 21 Uttar Pradesh 22 Gujarat 23 Maharashtra 24 Goa 25 Daman & Diu 26 Dadra & Nagar Haveli 27 Andhra Pradesh 28 Karnataka 29 Kerala 30 Tamil Nadu 31 Pondicherry 32 Lakshadweep All India -22-

23 Statement - II Part - E Statement Showing Priority Sector Advances Granted to the Members Specified Minority Communities in minority concentrated districts vis-à-vis Overall Priority Sector Advances as on NAME OF THE BANK (Number Accounts in absolute terms and Amount in thousands) Part 'A' - For Identified Districts Christians Muslims Buddhists Sikhs Zoroastrians Jains A Total ( ) Andamans 1 Nicobars 2 Andamans Andhra Pradesh 3 Hyderabad Arunachal Pradesh 4 Tawang 5 Changlang 6 Tirap 7 West Kameng 8 Param Pare 9 Lower Subansiri 10 East Kameng Assam 11 Dhubri 12 Goalpara 13 Barpeta 14 Hailakandi 15 Karimganj 16 Nagaon 17 Marigaon -23- B other minority communitie s Total P/S Adv. In all Districts C (A+B) Amt Amt Amt Amt Amt Amt Amt Amt Amt

24 18 Darrang 19 Bongaigaon 20 Cachar 21 Kokrajhar 22 North Cachar Hills 23 Kamrup Bihar 24 Kishanganj 25 Kathiar 26 Araria 27 Purnia 28 Sitamarhi 29 Darbhanga 30 Paschim Champaran Delhi 31 Central 32 North East Goa 33 South Goa Haryana 34 Gurgaon 35 Sirsa Himachal Pradesh 36 Lahul & Spiti 37 Kinnaur Jammu & Kashmir 38 Leh (Ladakh) Jharkhand 39 Pakaur 40 Sahibganj 41 Gumla 42 Ranchi Karnataka 43 Dakshina -24-

25 Kannada 44 Bidar 45 Gulbarga Kerala 46 Malappuram 47 Ernakulam 48 Kottayam 49 Idukki 50 Wayanad 51 Pathanamthitta 52 Kozhikode 53 Kasaragod 54 Thrissur 55 Kannur 56 Kollam 57 Thiruvananthapu ram 58 Palkkad 59 Alappuzha Madhya (P) 60 Bhopal Maharashtra 61 Akola 62 Mumbai 63 Aurangabad 64 Mumbai (Suburban) 65 Amravati 66 Buldana 67 Parbhani 68 Wasim 69 Hingoli Manipur 70 Tamenglong 71 Ukhrul 72 Churachandpur -25-

26 73 Chandel 74 Senapati 75 Thoubal Meghalaya 76 West Garo Hills Mizoram 77 Lawngtlai 78 Mamit Orrisa 79 Gajapati Pondicherry 80 Mahe Rajasthan 81 Ganganagar Sikkim 82 North 83 South 84 East 85 West Tamil Nadu 86 Kanyakumari Uttar Pradesh 87 Rampur 88 Bijnor 89 Moradabad 90 Saharanpur 91 Muzaffarnagar 92 Meerut 93 Bahraich 94 Balrampur 95 Gaziabad 96 Pilibhit 97 Bareilli 98 Siddarthnagar 99 Shrawasti 100 Jyotiba phule -26-

27 Nagar 101 Baghpat 102 Bulandshahar 103 Shahjahanpur 104 Budaun 105 Barabanki 106 Kheri 107 Lucknow Uttaranchal 108 Hardwar 109 Udham Singh Nagar West Bengal 110 Murshidabad 111 Maldah 112 Uttar Dinajpur 113 Birbhum 114 South 24- Parganas 115 Nadia 116 Dakshin Dinajpur 117 Haorah 118 North 24- Parganas 119 Koch Bihar 120 Kolkata 121 Barddhaman -27-